With CBA you could pay up to
$1,261
more than you need to(to help fund their future record profits).

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. Comparison does not take into account short term bank promotional rates. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate. Establishment fee applies.

Save Money With a Fairer Way To Borrow

Personalised Interest Rates

The higher your credit score, the lower your interest rate.

Choose Your Repayment Term

Pay off your loan over a period of 2-5 years with fortnightly or monthly repayments.

No Hidden Fees

No monthly fees or early repayment fees.

All you need to do is pay an establishment fee which is also based on your loan amount and credit score.

Why SocietyOne

People backing people

We're not a bank! We're a community of people backing people. Our loans are backed by investors so everyone can have access to better interest rates.

Reward yourself with a lower interest rate

You can save on your repayments with a personalised interest rate. The higher your credit score, the lower your interest rate! So you don't have to pay more than you need to.

Make It Happen

Whether you want to consolidate debt, renovate your home or go on a holiday, SocietyOne could help make it happen on a lower and fairer interest rate. Which means you could spend more of your hard earned money for yourself and less paying off your loan.

Our rates

We never charge any monthly or early repayment fees. Loans available for a minimum term of 2 years and a maximum term of 5 years.

SocietyOne Loan Grades

Interest Rate % p.a. (2-3 years)

Interest Rate % p.a. (5 years)

Establishment Fee

Comparison Rate % p.a. (2-3 years)2

Comparison Rate % p.a. (5 years)3

Tier 1

7.50% - 9.99%

8.10% - 10.59%

3.00% - 4.00%

9.51% - 12.71%

9.36% - 12.31%

Tier 2

10.49% - 11.49%

11.39% - 12.39%

4.25%

13.38% - 14.40%

13.23% - 14.25%

Tier 3

11.99% - 13.79%

13.19% - 14.99%

4.50%

15.08% - 16.91%

15.17% - 17.00%

Tier 4

14.99% - 18.19%

16.79% - 19.99%

5.00%

18.48% - 21.75%

19.07% - 22.34%

The establishment fee is added to your loan; the amount is based on your SocietyOne loan grade and the loan amount. A $35 fee applies if you need to vary your loan.
2 Based on a $10,000 unsecured personal loan for a 3 year term.
3 Based on a $30,000 unsecured personal loan for a 5 year term.

Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.

Comparison Rate*

9.51%

Monthly Repayment

$320.39

Total Repayments

36 x $320.39 = $11,534.20

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. Comparison does not take into account short term bank promotional rates. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate. Establishment fee applies.

Get a quote today.

SocietyOne Australia Pty Ltd ACN 151 627 977 holds Australian Credit Licence No. 423660 and is an authorised representative of SocietyOne Investment Management Pty Ltd ACN 604 960 018, ASFL 477365. All loans are originated by Society One, issued by Australian Executor Trustees Limited ABN 84 007 869 794, Australian Credit Licence No. 240023 as custodian for the SocietyOne P2P Lending Trust and are signed by Society One under a power of attorney for and on behalf of Australian Executor Trustees Limited. Credit is subject to SocietyOne’s standard terms and conditions and lending criteria.